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Rhinebeck Bancorp, Inc.

For the period ended Jun 30, 2026. Filed Aug 13, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 13, 2026

RBKB$13.31+0.5%Stored close · as of Nov 9, 2026

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Item 1A. Risk Factors

The discussion of risk factors relevant to the Company under the heading “Risk Factors” in theprospectus filed on May 22, 2026 with the SEC pursuant to Rule 424(b)(3) of the Securities Act of 1933, as amended, is incorporated herein by reference. There have been no material changes to risk factors relevant to the Company’s operations since that prospectus. Additional risks not presently known to the Company, or that the Company currently deems immaterial, may also adversely affect the business, financial condition or results of operations.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.